Call reports 2005
MIRAE BANK — 2005
What MIRAE BANK reported to the FFIEC in 2005, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Total assets | 128,093,000 | 149,471,000 | 185,699,000 | 265,024,000 |
| Total loans | 79,952,000 | 97,113,000 | 125,873,000 | 173,700,000 |
| Allowance for loan losses | 980,000 | 1,041,000 | 1,341,000 | 1,876,000 |
| Securities available for sale | 19,021,000 | 20,613,000 | 22,505,000 | 19,001,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 109,824,000 | 129,540,000 | 164,750,000 | 220,410,000 |
| Interest-bearing deposits | 86,322,000 | 100,251,000 | 138,456,000 | 176,476,000 |
| Noninterest-bearing deposits | 23,502,000 | 29,289,000 | 26,294,000 | 43,934,000 |
| Equity capital | 17,238,000 | 18,433,000 | 19,101,000 | 41,431,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Interest income | 1,649,000 | 3,675,000 | 6,484,000 | 10,579,000 |
| Interest expense | 478,000 | 1,195,000 | 2,342,000 | 4,063,000 |
| Net interest income | 1,171,000 | 2,480,000 | 4,142,000 | 6,516,000 |
| Noninterest income | 1,469,000 | 3,740,000 | 5,785,000 | 7,697,000 |
| Noninterest expense | 1,508,000 | 3,298,000 | 5,518,000 | 8,603,000 |
| Provision for loan losses | 137,000 | 240,000 | 549,000 | 1,079,000 |
| Pretax income | 995,000 | 2,682,000 | 3,860,000 | 4,498,000 |
| Income tax | 395,000 | 1,069,000 | 1,616,000 | 1,851,000 |
| Net income | 600,000 | 1,613,000 | 2,244,000 | 2,647,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2005Q1 | 2005Q2 | 2005Q3 | 2005Q4 |
|---|---|---|---|---|
| Tier 1 capital | 17,364,000 | 18,437,000 | 19,136,000 | 41,474,000 |
| Total capital | 18,344,000 | 19,508,000 | 20,503,000 | 43,371,000 |
| Risk-weighted assets | 85,066,000 | 102,929,000 | 132,778,000 | 185,801,000 |